Get your credit report annually for free
The Fair and Accurate Credit Transaction Act (known as the FACT Act) was signed into law by President Bush in 2003. It requires that the three national credit reporting agencies (Transunion, Equifax, and Experian) provide a free credit report to consumers upon request. You can do this by using the established website https://www.annualcreditreport.com, or by calling toll free 1-877-322-8228, or by writing Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. We encourage you to request your free credit report annually to monitor it for accuracy and notify the credit reporting agency if any errors are identified.

Opt out of prescreen solicitations
The FACT Act also requires the national credit reporting agencies to allow consumers to "opt-out" of receiving prescreen solicitation for credit. Briefly, this will greatly reduce the number of credit card solicitations you receive in the mail. Major credit card companies purchase lists of consumers that meet certain criteria (hence the term "prescreened"). In turn, they use these lists to send out mass mailings soliciting customers to open credit cards. You can elect to "opt-out" by using the established website https://www.optoutprescreen.com, or by calling toll free 888-567-8688.

Note: By utilizing these links you will be leaving American Federal Savings Bank's website and entering a website hosted by another party. Please be aware that you are no longer subject to, or under protection of, the privacy and security policies of our website. We encourage you to read and evaluate the privacy and security policies on the site you are entering.